. >>> then a while year for technology. if our experts are right, 2013 will be even more surprising. if you're an investor you cannot afford to miss their predictions coming up. all that and more when mandy and i see you at the top of the hour. dare i say this could be the most important trading hour of the year, mandy? >> i think you can dare to. thank you, bill. see you in a few minutes. the city's oldest bakery not staying open for one day more. while the 202-year-old shop is suffering from failing real estate prices. the landlord doubled the rent and says basically he is shutting down because he cannot stay profitable. kind of sad. all those people who have enjoyed his baguette for 43 years. >> maybe he can go to belgium. >> what can we expect for housing in 2013? let us bring in president of team investments. all right, tanya, what are you seeing how the there? give us your forecast. >> i would like to say we are going to see a lot of short sales but if the fiscal cliff is not averted, we will see mortgage rates stay l